{"id":991888,"date":"2026-08-06T23:33:02","date_gmt":"2026-08-07T03:33:02","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/kingstone-reports-second-quarter-2026-results\/"},"modified":"2026-08-06T23:33:02","modified_gmt":"2026-08-07T03:33:02","slug":"kingstone-reports-second-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/kingstone-reports-second-quarter-2026-results\/","title":{"rendered":"Kingstone Reports Second Quarter 2026 Results"},"content":{"rendered":"
\n

\n
\n Most Profitable Quarter in Company History\u00a0<\/em>
\n <\/strong>
\n
\n
\n Q2 Diluted Net Income Per Share of <\/em>
\n <\/strong>
\n
\n $1.05<\/em>
\n <\/strong>
\n
\n | Q2 Annualized Return on Equity of <\/em>
\n <\/strong>
\n
\n 50.8%<\/em>
\n <\/strong>
\n
\n
\n Net Premiums Earned Growth of <\/em>
\n <\/strong>
\n
\n 31%<\/em>
\n <\/strong>
\n
\n for Q2 | Direct Premiums Written Growth<\/em>
\n <\/strong>
\n
\n
\n 1<\/em>
\n <\/strong>
\n <\/sup>
\n
\n of <\/em>
\n <\/strong>
\n
\n 19%<\/em>
\n <\/strong>
\n
\n for Q2 <\/em>
\n <\/strong>
\n
\n
\n Q2 GAAP Net Combined Ratio of <\/em>
\n <\/strong>
\n
\n 70.2%<\/em>
\n <\/strong>\n <\/p>\n

\n
\n Company Reaffirms 2026 Full Year Guidance <\/em>
\n <\/strong>\n <\/p>\n

\n
\n Management to Host Conference Call Tomorrow at 8:30 a.m. Eastern Time<\/em>
\n <\/strong>\n <\/p>\n

KINGSTON, N.Y., Aug. 06, 2026 (GLOBE NEWSWIRE) — Kingstone Companies, Inc. (Nasdaq: KINS)<\/strong> (\u201cKingstone\u201d or the \u201cCompany\u201d), a regional property and casualty insurance holding company, today announced its financial results for the second quarter ended June\u00a030, 2026. The Company has also provided an investor presentation that can be accessed through the News & Events\/Presentations section of the Company website at www.kingstonecompanies.com<\/a>.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n Key Financial and Operational Highlights<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Quarters Ended<\/strong>\n <\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\n June 30,<\/strong>\n <\/td>\n<\/tr>\n
\n ($ in thousands, except per share data)<\/em>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n<\/tr>\n
Net premiums earned<\/td>\n$<\/td>\n60,467<\/td>\n$<\/td>\n46,215<\/td>\n30.8%<\/td>\n$<\/td>\n116,336<\/td>\n$<\/td>\n89,738<\/td>\n29.6%<\/td>\n<\/tr>\n
Direct premiums written1<\/sup><\/td>\n$<\/td>\n72,494<\/td>\n$<\/td>\n61,062<\/td>\n18.7%<\/td>\n$<\/td>\n142,097<\/td>\n$<\/td>\n119,237<\/td>\n19.2%<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n\u00a0<\/td>\n70.2%<\/td>\n\u00a0<\/td>\n71.5%<\/td>\n(1.3) pts<\/td>\n\u00a0<\/td>\n90.2%<\/td>\n\u00a0<\/td>\n82.3%<\/td>\n7.9 pts<\/td>\n<\/tr>\n
Catastrophe loss ratio1<\/sup><\/td>\n(0.8)%<\/td>\n\u00a0<\/td>\n0.6%<\/td>\n(1.4) pts<\/td>\n\u00a0<\/td>\n12.0%<\/td>\n\u00a0<\/td>\n1.2%<\/td>\n10.8 pts<\/td>\n<\/tr>\n
Underlying combined ratio1<\/sup><\/td>\n\u00a0<\/td>\n73.7%<\/td>\n\u00a0<\/td>\n71.4%<\/td>\n2.3 pts<\/td>\n\u00a0<\/td>\n80.7%<\/td>\n\u00a0<\/td>\n82.0%<\/td>\n(1.3) pts<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n15,470<\/td>\n$<\/td>\n11,252<\/td>\n37.5%<\/td>\n$<\/td>\n9,662<\/td>\n$<\/td>\n15,135<\/td>\n(36.2)%<\/td>\n<\/tr>\n
Net income per share – diluted<\/td>\n$<\/td>\n1.05<\/td>\n$<\/td>\n0.78<\/td>\n34.6%<\/td>\n$<\/td>\n0.66<\/td>\n$<\/td>\n1.07<\/td>\n(38.3)%<\/td>\n<\/tr>\n
Operating net income per share – diluted1<\/sup><\/td>\n$<\/td>\n1.04<\/td>\n$<\/td>\n0.75<\/td>\n38.7%<\/td>\n$<\/td>\n0.70<\/td>\n$<\/td>\n0.94<\/td>\n(25.5)%<\/td>\n<\/tr>\n
Return on equity – annualized<\/td>\n\u00a0<\/td>\n50.8%<\/td>\n\u00a0<\/td>\n50.8%<\/td>\n\u2014 pts<\/td>\n\u00a0<\/td>\n15.3%<\/td>\n\u00a0<\/td>\n37.4%<\/td>\n(22.1) pts<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
\n 1<\/sup> Refer to section entitled “Definitions and Non-GAAP Measures” included in this press release for definitions and reconciliations of non-GAAP financial measures to the most comparable GAAP measures.<\/em>
\n <\/sub>\n <\/p>\n

\n Management Commentary<\/strong>
\n
Meryl Golden, President and Chief Executive Officer of Kingstone, stated, “I am very pleased to report the most profitable quarter in Kingstone’s history. Net income was a record $15.5 million, diluted earnings per share rose 35% to $1.05, and our GAAP net combined ratio improved to 70.2%, resulting in an annualized return on equity of 50.8%. Diluted book value per share increased 35% year-over-year to $8.69.<\/p>\n

Direct premiums written1<\/sup> grew 18.7%, led by continued strength in New York personal lines. Net premiums earned rose 31% as premiums from our reduced quota share continue to earn in. Our 39.6% net loss ratio included favorable prior-year reserve development and a negative catastrophe loss ratio, as favorable development on our first-quarter catastrophe estimate exceeded second-quarter catastrophe losses. Our underwriting expense ratio improved to 30.6%, reflecting the operating leverage of our scalable platform. Net investment income increased 49% on a growing investment portfolio and higher yields.<\/p>\n

Our strong capital position supports profitable growth and disciplined capital returns. We completed our catastrophe reinsurance placement that increased total coverage to $500 million, added wildfire protection, maintained low first-event retentions and reduced the risk-adjusted cost of our core catastrophe excess of loss coverage by more than 15%. We also announced a share repurchase authorization during the quarter and subsequently increased our quarterly dividend by 20% to $0.06 per share, one year after reinstating it. We remain confident in our trajectory and committed to delivering long-term value to our shareholders.”<\/p>\n

\n Fiscal Year 2026 Outlook <\/strong>
\n
\n (see \u201cDisclaimer and Forward-Looking Statements\u201d below)<\/em>\n <\/p>\n

The Company is reaffirming its growth, underwriting and profitability outlook for fiscal year 2026, which was originally issued on March 5, 2026 and affirmed on May 7, 2026. The guidance below reflects management\u2019s expectations based on information available as of August\u00a06, 2026 and is subject to the risks and uncertainties described in \u201cDisclaimer and Forward-Looking Statements\u201d below.<\/p>\n\n\n\n\n\n\n\n\n\n
\n Guidance Metrics<\/strong>\n <\/td>\n\n 2026 Estimate<\/strong>\n <\/td>\n<\/tr>\n
Direct premiums written1,4<\/sup> growth<\/td>\n16% to 20%<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n81% to 86%<\/td>\n<\/tr>\n
Underlying combined ratio1,2<\/sup> (excluding catastrophe losses and prior-year reserve development)<\/td>\n74% to 76%<\/td>\n<\/tr>\n
Prior-year reserve development<\/td>\n\u2014%<\/td>\n<\/tr>\n
Catastrophe loss ratio1<\/sup>,<\/sup>3<\/sup><\/td>\n7% to 10%<\/td>\n<\/tr>\n
Net income per share \u2013 diluted<\/td>\n$2.20 to $2.90<\/td>\n<\/tr>\n
Return on equity<\/td>\n24% to 30%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
\n 1<\/sup> Refer to \u201cDefinitions and Non-GAAP Measures\u201d for definitions and reconciliations of non-GAAP financial measures to the most comparable GAAP measures<\/sub>
\n <\/em>
\n
\n .<\/em>
\n <\/sub>
\n
\n
\n
\n 2<\/sup> The underlying combined ratio is a non-GAAP measure. It is computed as the sum of the underlying loss ratio (which is a non-GAAP measure) and the net underwriting expense ratio. The underlying loss ratio excludes catastrophe losses and prior-year reserve development from the GAAP net loss ratio. The most directly comparable GAAP measure is the net combined ratio. Refer to the section entitled \u201cDefinitions and Non-GAAP Measures\u201d included in this press release for definitions and reconciliations of non-GAAP financial measures. A reconciliation of the 2026 estimate of underlying combined ratio to the GAAP net combined ratio is not provided because the Company is unable to predict catastrophe losses and prior-year reserve development with reasonable certainty without unreasonable efforts. These items could materially impact the GAAP measure of net combined ratio.<\/em>
\n <\/sub>
\n
\n
\n
\n 3<\/sup> The catastrophe loss ratio estimate for 2026 of 7% to 10% is at or above the Company\u2019s six-year historical average of 7.1% (2019\u20132024) and gives effect to the elevated winter storm activity experienced in first quarter of 2026. Catastrophe losses are reported net of reinsurance recoveries and include loss adjustment expenses. The Company defines catastrophe events consistent with PCS industry designations.<\/em>
\n <\/sub>
\n
\n
\n
\n 4<\/sup> Guidance for the most comparable GAAP measure, net premiums earned, is not provided because net premiums earned is an output of multiple variables including direct written premium growth, quota share cession rates, and premium earning patterns, several of which are not within the Company\u2019s direct control; therefore the Company is unable to predict such variables with reasonable certainty without unreasonable efforts.<\/em>
\n <\/sub>\n <\/p>\n

\n Key Modeling Assumptions<\/strong>
\n
The following reflects certain key modeling assumptions with respect to the full year 2026 guidance:<\/p>\n\n\n\n\n
\n Assumption<\/strong>\n <\/td>\n\n 2026E<\/strong>\n <\/td>\n<\/tr>\n
Assumed effective tax rate<\/td>\n21%<\/td>\n<\/tr>\n
Weighted average diluted shares outstanding<\/td>\n14.8 million<\/td>\n<\/tr>\n<\/table>\n

\n
\n
Consolidated Financial Results<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n Consolidated Financial Results<\/strong>\n <\/td>\n\n Quarters Ended<\/strong>\n <\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n ($ in thousands, except policy and per share data)<\/em>\n <\/td>\n\n June 30,<\/strong>\n <\/td>\n\n June 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n<\/tr>\n
Net premiums earned<\/td>\n$<\/td>\n60,467<\/td>\n$<\/td>\n46,215<\/td>\n30.8%<\/td>\n$<\/td>\n116,336<\/td>\n$<\/td>\n89,738<\/td>\n29.6%<\/td>\n<\/tr>\n
Direct premiums written1<\/sup><\/td>\n$<\/td>\n72,494<\/td>\n$<\/td>\n61,062<\/td>\n18.7%<\/td>\n$<\/td>\n142,097<\/td>\n$<\/td>\n119,237<\/td>\n19.2%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Policies in force, at the end of the period<\/td>\n\u00a0<\/td>\n84,570<\/td>\n\u00a0<\/td>\n76,925<\/td>\n9.9%<\/td>\n\u00a0<\/td>\n84,570<\/td>\n\u00a0<\/td>\n76,925<\/td>\n9.9%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net investment income<\/td>\n$<\/td>\n3,429<\/td>\n$<\/td>\n2,300<\/td>\n49.1%<\/td>\n$<\/td>\n6,766<\/td>\n$<\/td>\n4,349<\/td>\n55.6%<\/td>\n<\/tr>\n
Net gains (losses) on investments<\/td>\n$<\/td>\n240<\/td>\n$<\/td>\n546<\/td>\n(56.0)%<\/td>\n$<\/td>\n(775)<\/td>\n$<\/td>\n408<\/td>\n(290.0)%<\/td>\n<\/tr>\n
Gain on sale of real estate<\/td>\n$<\/td>\n\u2014<\/td>\n$<\/td>\n\u2014<\/td>\n\u2014%<\/td>\n$<\/td>\n\u2014<\/td>\n$<\/td>\n1,966<\/td>\n(100.0)%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loss ratio<\/td>\n\u00a0<\/td>\n39.6%<\/td>\n\u00a0<\/td>\n38.8%<\/td>\n0.8 pts<\/td>\n\u00a0<\/td>\n59.7%<\/td>\n\u00a0<\/td>\n50.3%<\/td>\n9.4 pts<\/td>\n<\/tr>\n
Net underwriting expense ratio<\/td>\n\u00a0<\/td>\n30.6%<\/td>\n\u00a0<\/td>\n32.7%<\/td>\n(2.1) pts<\/td>\n\u00a0<\/td>\n30.5%<\/td>\n\u00a0<\/td>\n32.0%<\/td>\n(1.5) pts<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n\u00a0<\/td>\n70.2%<\/td>\n\u00a0<\/td>\n71.5%<\/td>\n(1.3) pts<\/td>\n\u00a0<\/td>\n90.2%<\/td>\n\u00a0<\/td>\n82.3%<\/td>\n7.9 pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loss ratio<\/td>\n\u00a0<\/td>\n39.6%<\/td>\n\u00a0<\/td>\n38.8%<\/td>\n0.8 pts<\/td>\n\u00a0<\/td>\n59.7%<\/td>\n\u00a0<\/td>\n50.3%<\/td>\n9.4 pts<\/td>\n<\/tr>\n
Catastrophe loss ratio1<\/sup><\/td>\n(0.8)%<\/td>\n\u00a0<\/td>\n0.6%<\/td>\n(1.4) pts<\/td>\n\u00a0<\/td>\n12.0%<\/td>\n\u00a0<\/td>\n1.2%<\/td>\n10.8 pts<\/td>\n<\/tr>\n
Net loss ratio excluding the effect of catastrophes1<\/sup><\/td>\n\u00a0<\/td>\n40.4%<\/td>\n\u00a0<\/td>\n38.2%<\/td>\n2.2 pts<\/td>\n\u00a0<\/td>\n47.7%<\/td>\n\u00a0<\/td>\n49.1%<\/td>\n(1.4) pts<\/td>\n<\/tr>\n
Effect of prior-year favorable reserve development<\/td>\n(2.7)%<\/td>\n(0.5)%<\/td>\n(2.2) pts<\/td>\n(2.5)%<\/td>\n(0.9)%<\/td>\n(1.6) pts<\/td>\n<\/tr>\n
Underlying loss ratio1<\/sup><\/td>\n\u00a0<\/td>\n43.1%<\/td>\n\u00a0<\/td>\n38.7%<\/td>\n4.4 pts<\/td>\n\u00a0<\/td>\n50.2%<\/td>\n\u00a0<\/td>\n50.0%<\/td>\n0.2 pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n15,470<\/td>\n$<\/td>\n11,252<\/td>\n37.5%<\/td>\n$<\/td>\n9,662<\/td>\n$<\/td>\n15,135<\/td>\n(36.2)%<\/td>\n<\/tr>\n
Net income per share – basic<\/td>\n$<\/td>\n1.07<\/td>\n$<\/td>\n0.81<\/td>\n32.1%<\/td>\n$<\/td>\n0.67<\/td>\n$<\/td>\n1.10<\/td>\n(39.1)%<\/td>\n<\/tr>\n
Net income per share – diluted<\/td>\n$<\/td>\n1.05<\/td>\n$<\/td>\n0.78<\/td>\n34.6%<\/td>\n$<\/td>\n0.66<\/td>\n$<\/td>\n1.07<\/td>\n(38.3)%<\/td>\n<\/tr>\n
Return on equity – annualized<\/td>\n\u00a0<\/td>\n50.8%<\/td>\n\u00a0<\/td>\n50.8%<\/td>\n\u2014 pts<\/td>\n\u00a0<\/td>\n15.3%<\/td>\n\u00a0<\/td>\n37.4%<\/td>\n(22.1) pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted EBITDA1<\/sup><\/td>\n$<\/td>\n20,738<\/td>\n$<\/td>\n14,783<\/td>\n40.3%<\/td>\n$<\/td>\n15,791<\/td>\n$<\/td>\n19,038<\/td>\n(17.1)%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other comprehensive (loss) income, net of tax<\/td>\n$<\/td>\n(385)<\/td>\n$<\/td>\n1,022<\/td>\n(137.7)%<\/td>\n$<\/td>\n(2,441)<\/td>\n$<\/td>\n3,245<\/td>\n(175.2)%<\/td>\n<\/tr>\n
Operating net income1<\/sup><\/td>\n$<\/td>\n15,280<\/td>\n$<\/td>\n10,821<\/td>\n41.2%<\/td>\n$<\/td>\n10,274<\/td>\n$<\/td>\n13,259<\/td>\n(22.5)%<\/td>\n<\/tr>\n
Operating net income per share – basic1<\/sup><\/td>\n$<\/td>\n1.06<\/td>\n$<\/td>\n0.78<\/td>\n35.9%<\/td>\n$<\/td>\n0.71<\/td>\n$<\/td>\n0.97<\/td>\n(26.8)%<\/td>\n<\/tr>\n
Operating net income per share – diluted1<\/sup><\/td>\n$<\/td>\n1.04<\/td>\n$<\/td>\n0.75<\/td>\n38.7%<\/td>\n$<\/td>\n0.70<\/td>\n$<\/td>\n0.94<\/td>\n(25.5)%<\/td>\n<\/tr>\n
Operating return on equity1<\/sup><\/td>\n\u00a0<\/td>\n12.5%<\/td>\n\u00a0<\/td>\n12.2%<\/td>\n0.3 pts<\/td>\n\u00a0<\/td>\n8.2%<\/td>\n\u00a0<\/td>\n16.4%<\/td>\n(8.2) pts<\/td>\n<\/tr>\n
Operating return on equity1<\/sup>– annualized<\/td>\n\u00a0<\/td>\n50.2%<\/td>\n\u00a0<\/td>\n48.9%<\/td>\n1.3 pts<\/td>\n\u00a0<\/td>\n16.3%<\/td>\n\u00a0<\/td>\n32.8%<\/td>\n(16.5) pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share, at the end of the period – diluted<\/td>\n$<\/td>\n8.69<\/td>\n$<\/td>\n6.44<\/td>\n34.9%<\/td>\n<\/tr>\n
Book value per share, at the end of the period – diluted excluding AOCI<\/td>\n$<\/td>\n9.27<\/td>\n$<\/td>\n7.04<\/td>\n31.7%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
\n 1<\/sup> Refer to section entitled “<\/sub>
\n <\/em>
\n
\n Definitions and Non-GAAP Measures” included in this press release<\/em>
\n for definitions and reconciliat<\/em>
\n ion<\/em>
\n s<\/em>
\n of non-GAAP financial measures to the most comparable GAAP measures<\/em>
\n .<\/em>
\n <\/sub>\n <\/p>\n

\n Conference Call Details<\/strong>\n <\/p>\n

Friday, August\u00a07, 2026, at 8:30 a.m. Eastern Time<\/p>\n

To participate please dial:<\/p>\n\n\n
\u00a0<\/td>\nU.S. toll free
International<\/td>\n		1-877-407-2991
1-201-389-0925<\/td>\n<\/tr>\n<\/table>\n

\n
Participants are asked to dial-in approximately 10 minutes before the conference call is scheduled to begin. The conference call will also be available via live webcast on the Company\u2019s website under the News & Events\/Presentations section at\u00a0www.kingstonecompanies.com<\/a>. A replay will be available for 30 days.<\/p>\n

\n About Kingstone Companies, Inc.<\/strong>
\n
Kingstone is a regional property and casualty insurance holding company whose principal operating subsidiaries write business through retail and wholesale agents and brokers. Kingstone delivers tailored homeowners insurance solutions through its sophisticated product suite, Select, supported by a scalable and efficient operating platform that enables the Company to pursue significant market opportunities and strategic expansion. Kingstone was the 11th largest writer of homeowners insurance in New York in 2025 and also writes homeowners coverage in California on a non-admitted basis.<\/p>\n

\n Investor Relations Contact:<\/strong>
\n
Elevate IR
KINS@elevate-ir.com<\/a>
720-330-2829<\/p>\n

\n
\n Disclaimer and Forward-Looking Statements<\/em>
\n <\/strong>
\n
\n The guidance provided above is based on information available as of <\/em>
\n August\u00a06, 2026<\/em>
\n and management’s review of the anticipated financial results for 2026. Such guidance remains subject to change based on management’s ongoing review of the Company’s 2026 results and is a forward-looking statement (see below). Kingstone assumes no obligation to update this guidance. The actual results may be materially different and are affected by the risk factors and uncertainties identified in this press release and in Kingstone’s annual and quarterly filings with the Securities and Exchange Commission. <\/em>\n <\/p>\n

\n This press release may contain \u201cforward-looking statements\u201d within the meaning of the Private Securities Litigation Reform Act of 1995. All statements, other than statements of historical facts, may be forward-looking statements. These statements are based on management\u2019s current expectations and are subject to uncertainty and changes in circumstances. These statements involve risks and uncertainties that could cause actual results to differ materially from those included in forward-looking statements due to a variety of factors. For more details on factors that could affect expectations, see Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025. <\/em>\n <\/p>\n

\n The risks and uncertainties include, without limitation, the following:<\/em>\n <\/p>\n